Product Manager - III (Growth & New Products)

FlexiLoans; Mumbai; On-site; INR 2,000,000 - 3,200,000; Full time

Job summary

FlexiLoans in Mumbai is seeking a seasoned Product Manager to own the growth funnel for UBL and SCF, from lead capture to disbursal. You will design product journeys, run experiments, and collaborate with Marketing, Sales, Credit and Risk to improve activation and conversion.

You have 6–10 years in product management, fintech or lending, with a track record of end-to-end digital lending enabling KYC, e-sign, e-NACH, and disbursal setup.

Qualifications

• 6–10 years of product management experience, with at least 4 years owning a growth or funnel charter in lending, fintech or financial services.
• Demonstrated ownership of a disbursal, revenue or conversion number, not just feature delivery.
• Experience building digital lending journeys end to end, including the unglamorous parts: KYC, document collection, e-sign, e-NACH, disbursal and repayment setup.
• Strong analytical ability, including proficiency in SQL and product analytics tooling.
• Proven experimentation practice, you have run real tests, read them honestly, and killed your own ideas.
• Experience taking at least one product from zero to launch and through to scale.
• Ability to work across Sales, Marketing, Credit, Risk, Operations and Engineering and hold a line with all of them.

Responsibilities

• Own funnel analytics, cohort analysis and customer research for both books.
• Build the dashboards that the business runs on, and make sure every number has an owner.
• Maintain a live, prioritised backlog of conversion experiments with expected impact.
• Scale journeys across app, web, partner and embedded APIs, DSAs and connectors, marketplaces and anchor platforms, and RM-assisted flows.
• Own partner and embedded integration experience as a product, including documentation, sandbox, and time-to-first-disbursal for a new partner.

Skills

SQL

Analytics

Product management

A/B testing

Education

MBA in Business Analytics, Marketing, or IT

Bachelor's degree in IT / CS or related field

Tools

Product analytics tools

Job description

Who we are:

FlexiLoans is a technology based Digital financing platform started with an endeavour to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India.

FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses.

Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com/

A six-times certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India!

The role in a gist:

FlexiLoans has lent to over 1,00,000 MSMEs across 300+ cities, almost all of it through one motion: a business needs capital, we underwrite, we disburse, they repay, and the relationship goes quiet. You own the conversion funnel and the disbursement growth of our two core books UBL and SCF and you own the launch of what comes next.

What we are looking for in the role:

1. Conversion end-to-end funnel ownership

• Own the full customer funnel for UBL and SCF: lead to disbursal.
• Instrument every stage. Know the drop-off rate, the reason, and the size of the prize at each step before proposing a fix.
• Attack the big leaks: document collection friction, bank statement and GST data submission, KYC drop-offs, e-sign and e-NACH completion, offer acceptance, and sanction-to-disbursal fallout. With the Customer first approach.
• Reduce time-to-money (login to sanction, sanction to disbursal) as a primary conversion lever, not a hygiene metric.
• Run a continuous experimentation program: hypothesis, A/B or cohort test, readout, ship or kill.
• Own UBL disbursal volume and the product levers behind it, segment targeting, offer construction, ticket size and tenor mix, pricing presentation, top-up and enhancement journeys.
• Build self-serve and assisted journeys that work for both digitally-native and RM-led customers.
• Improve activation of sanctioned-but-not-disbursed and approved-but-dormant cohorts.
• Partner with Marketing and Sales on lead quality, feed conversion data back into sourcing so we buy better leads, not just more.
• Own SCF disbursal and, critically, limit utilisation, a sanctioned SCF limit that does not draw down is not growth.
• Build and scale anchor-led programs: anchor onboarding, program setup, dealer/vendor onboarding at scale, invoice and PO-based financing journeys.
• Own the spoke (dealer/vendor) experience end-to-end: onboarding, limit visibility, drawdown, repayment, re-drawdown, and drive repeat drawdown frequency.
• Build integrations that reduce friction at the anchor end: ERP and invoice-data integrations, e-invoice and GST data flows, bulk onboarding, reconciliation and settlement reporting.
• Work with Business on the anchor pipeline, turning each new anchor into a faster, more templated launch than the last.

4. New product launch (0 to 1 and to scale):

• Identify and size new product opportunities across MSME lending, new segments, structures, tenors, secured variants, embedded and co-lending propositions.
• Write the business case: market size, unit economics, expected loss assumptions, capital and partner requirements, and the go/no-go criteria.
• Design and run pilots with a defined cohort, a fixed timebox, and pre-agreed success thresholds.
• Own launch readiness end-to-end: product journey, policy sign-off with Credit and Risk, compliance and regulatory review, systems and LOS changes, operations readiness, partner and sales enablement, pricing, and GTM with Marketing.
• Scale what works and shut down what doesn't, with a written post-mortem either way.

5. Channels and distribution

• Scale journeys across every route to market: app, web, partner and embedded APIs, DSAs and connectors, marketplaces and anchor platforms, and RM-assisted flows.
• Build the assisted-sales tooling that makes RMs and partners faster: application capture, status visibility, document chase, offer generation.
• Own partner and embedded integration experience as a product, including documentation, sandbox, and time-to-first-disbursal for a new partner.

6. Insight and experimentation

• Own funnel analytics, cohort analysis and customer research for both books. Talk to customers, dropped applicants and partners regularly.
• Build the dashboards that the business runs on, and make sure every number has an owner.
• Maintain a live, prioritised backlog of conversion experiments with expected impact.
• 6 -10 years of product management experience, with at least 4 years owning a growth or funnel charter in lending, fintech or financial services.
• Demonstrated ownership of a disbursal, revenue or conversion number, not just feature delivery.
• Experience building digital lending journeys end to end, including the unglamorous parts: KYC, document collection, e-sign, e-NACH, disbursal and repayment setup.
• Strong analytical ability, including proficiency in SQL and product analytics tooling. You size an opportunity before you build, and you can defend the estimate.
• Proven experimentation practice, you have run real tests, read them honestly, and killed your own ideas.
• Experience taking at least one product from zero to launch and through to scale.
• Ability to work across Sales, Marketing, Credit, Risk, Operations and Engineering and hold a line with all of them.

Qualification & Experience:

• MBA in Business Analytics, Marketing, or IT preferred. Bachelor's degree in Information Technology (IT), Computer Science, or related field
• Minimum 6 years of experience in fintech or lending background Direct experience with Supply Chain Finance, anchor-dealer/vendor programs, invoice and PO financing, limit utilisation dynamics